SEPTEMBER - A SECOND HOME MIGHT BE THE MISSING PIECE IN YOUR RETIREMENT PLAN

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A Second Home Might Be the Missing Piece in Your Retirement Plan Are you wondering if you’re on track to retire someday? According  to  Intuit , 69% of people say today’s financial environment makes it tough to plan for the future, and 68% aren’t sure they’ll ever be able to retire.  That’s why many people are exploring new ways to build stability and long-term income. And that’s where real estate comes in. Why Real Estate? Here’s What It Can Do for You If you’re able to make the numbers work, buying a second home can be a powerful tool for your future retirement. It could help you: Build wealth over time :  As home prices rise through the years, your second home should grow in value and increase your net worth. Generate extra income:  Renting the home could bring in some extra income you can add to your existing retirement savings. Just remember, some of the rent coming in will need to be used to pay that mortgage and maintain that house.  Profit in the ...
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A TO-DO LIST YOU’LL LOVE: JANUARY GARDENING

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Ah, a whole year of gardening is ahead of us. January is the best time to pause, reflect and prepare for a year of incredible gardening.
OK, tired of reflecting? Here are a few winter gardening tips to keep you busy this January!


Things to Do in the Garden in January:
Ward off those winter blues with a hearty helping of green, gardening thoughts.  
Dream Big. Plan or rework your garden design. Pin inspiration, flip through gardening magazines and daydream ways to make your garden even better. Illustrate your garden plan to visualize the entire space.
Plan Small. Make a list of organic edible and flower seeds to grow. Get the most of seed starting by growing unique varieties, heirlooms and expensive grocery store plants. See what seeds to start indoors and when to plant them. 
Listen to the Songbirds. Nothing livens up a dreary, wintry day like a flock of fluttering birds. Fill bird feeders with tasty seeds this winter. 
Take a Look. Walk around your home and garden with a notebook. Imagine how you could reduce water usage, recycle more, compost or conserve energy. Each week in January, try one idea to see what works! Start by recycling your Christmas tree.
Clean It Up. Gather your trusty garden tools, and give them a good scrub. Rinse off the dirt, sharpen the blades and rub vegetable oil on the metal. 
  1. Taste Summer Flavors. Get your green thumb back in the potting soil. Start an indoor herb garden to harvest a garden-fresh taste on the coldest winter days. See what herbs do best indoors here.
Here’s to a home filled with fresh herbs, the sweet song of birds and a stack of gardening magazines. January’s looking quite charming after all!
Original article via espoma.com

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